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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,982 | $72,177-43.2% | $115,038-64.4% | $59,633-31.3% |
| Participation rate | 83.3% | 72.6%+10.8pp | 81.4%+2.0pp | 68.7%+14.7pp |
| Annual return | -1.75% | 12.02%-13.8pp | 26.14%-27.9pp | 2041.45%-2043.2pp |
| Employer contribution / active EE | $2,980 | $2,841+4.9% | $4,608-35.3% | $2,203+35.3% |
| Participant deferral / active EE | $5,908 | $4,783+23.5% | $6,026-2.0% | $3,192+85.1% |
| Admin fee / account holder | $5,755 | $4,927+16.8% | $8,175-29.6% | $4,297+33.9% |